Sure it is EQ and not EX? AFIAK Amex uses EX 99.99% of the time.
@WolfMan wrote:I got my letter saying Congrats, Your Approved in the mail, along with my Equifax FICO score.
Is their FICO different from MyFico's FICO?
They have 663, MyFico one day earlier then applying has 723. 60 Points is a big difference.
Anyway, Shouldn't look a gift horse in the mouth, I'm approved...
I keep trying to call the automated system to find my CL, but it always disconnects right after entering the zip.
Should be here any day, so I'll just wait.
Are you sure you read that right and it's not Experian, instead of Equifax? Or is it in addition to Experian? AMEX usually pulls Experian and uses it as their main score, and it's always on your letter if you get one including a score.
[EDIT]: Sorry, delayed post, would have been first reponse had it not been for a call LOL Is that the only score they included on the letter? Of course, they do use their own scoring method for any CB they pull.
When they pulled, they did pull all three, but letter only states EQ.
Thats AMEX for ya. LOL.
Then under their scoring method for EQ, 663 must be in their "good" range and what they considered highest. They're going to quote the CB that was most influential in their decision. They don't usually pull all 3 unless they're on the edge of approval, even with manually reviewing the 1st and 2nd pulls at times.
This is why I say all scores are "FAKOS" even "FICOS" because there is no real, across the board "FICO" you can buy. The FICO score here is the most accurate, but you almost never see it match what you're told by a lender. So I call it "FICO's FAKO" LOL I still buy it before I apply for anything though, because I know it's the best indicator of what a lender ends up with (range of bad to excellent, not the number) for their in house score.
Its possible they pulled a credit card enhanced FICO. Also I agree with the others that they more than likely have an EX score listed. Is your EX/EQ file similar?
I had a TU listed on my amex delta. It was different than here and was an enhanced score I think.
